[Westernacc]

My Crap1 CO is gone from TU! YAHOOOOO

How I have no idea?? I have spent 5 weeks trying to get my TU report, (through the free credit dealy)
3 weeks ago I apply for an invitation from Crap1 plat offer. ( I am opted out )

In the mail: Crap1 nice decline letter, said they "may" reconsider later.??

In the mail: TU report, (finally) I see the Crap1 inq, fine , and the paid for less than full balance CO is gone!!!! still had a yr to go (7.5) and disputed it 3 times and gave up 2 yrs ago!!!!!

Did they get a heart??? setting me up for another card??? What do you make of this??

Step up to the bar, drinks on me...

P.S. I now have questions on my TU report, should I ask in this thread or start another to seperate the 2. Man I am hystatic

[roybean]

Originally Posted by Westernacc

My Crap1 CO is gone from TU! YAHOOOOO

How I have no idea?? I have spent 5 weeks trying to get my TU report, (through the free credit dealy)
3 weeks ago I apply for an invitation from Crap1 plat offer. ( I am opted out )

In the mail: Crap1 nice decline letter, said they "may" reconsider later.??

In the mail: TU report, (finally) I see the Crap1 inq, fine , and the paid for less than full balance CO is gone!!!! still had a yr to go (7.5) and disputed it 3 times and gave up 2 yrs ago!!!!!

Did they get a heart??? setting me up for another card??? What do you make of this??

Step up to the bar, drinks on me...

P.S. I now have questions on my TU report, should I ask in this thread or start another to seperate the 2. Man I am hystatic

congrats; just keep an eye on your reports. Crapital is slick!

If your question relates to the same matters, you can keep it in one thread.

[kaxmaII3]

Under no circumstances should you assume that Crap 1 has a heart.

[direred]

Originally Posted by kaxmaII3

Under no circumstances should you assume that Crap 1 has a heart.

Many banks, however, do have kidneys. Unfortunately, the other end of the urinary tract is tied to your credit report.

[Westernacc]

It doesn't make sense to me but I will take it.

I had already resigned myself to wait that one out, so I see this as a bonus for whatever reason, generally my disputes came back like a FOAD letter..

[Hedwig]

Congratulations!!

I'll have a drink!

[Marswoman]

Hey, thats great news!

But like others have said here, keep an eye on your reports, since things have a strange way of popping up again unexpectedly.

Crap1 is still on my report.....from 1999.
It's marked as "account written off"
and will drop off within a year.

I actually think it should be GONE by now.....8 yrs already.

I'm afraid to dispute it, they might do something crazy like update the date.

[roybean]

Originally Posted by Marswoman

Hey, thats great news!

But like others have said here, keep an eye on your reports, since things have a strange way of popping up again unexpectedly.

Crap1 is still on my report.....from 1999.
It's marked as "account written off"
and will drop off within a year.

I actually think it should be GONE by now.....8 yrs already.

I'm afraid to dispute it, they might do something crazy like update the date.

Forget that!!!! They'd have to take that off my report or see me in court!!!!

[Westernacc]

8 years!!

Tell ya what I'd rather dispute that then something inside 7.5 SOL

Actually when I started I did manage to get a judgement off 2 CRA's within the 7.5

I'd rather deal with a re-age myself.

[Marswoman]

My mistake......actually 7 years.

Still it should be gone.

I just went online to dispute, and experian said

"We have already investigated this information, and the creditor has verified that it is correct. If you still have a question about it, you may want to contact the creditor, or if you have additional relevant information, click here."

Now what do I do??



CAP ONE BK

Address:
PO BOX 85015
RICHMOND, VA 23285
(800) 903-3637 Account Number:

Status:
Account charged off/Past due 150 days. $784 written off. $1,586 past due as of Apr 2007.
Status Details:
This account is scheduled to continue on record until Oct 2008.
This item was verified and updated on Jun 2006.

Date Opened:
05/1999
Type:
Revolving
Credit Limit:
NA

Date of Status:
07/2002 Terms:
NA High Balance:
$1,586

Reported Since:
07/2001 Monthly Payment:
$0 Recent Balance:
$1,586

Last Reported Date:
04/2007 Responsibility:
Individual Recent Payment:
$0



Your Statement:
NA



Creditor's Statement:
Account closed at credit grantor's request.

[roybean]

Originally Posted by Marswoman

My mistake......actually 7 years.

Still it should be gone.

I just went online to dispute, and experian said

"We have already investigated this information, and the creditor has verified that it is correct. If you still have a question about it, you may want to contact the creditor, or if you have additional relevant information, click here."

Now what do I do??

What do you want to do? Get it off your report or raise some hell? And you should always dispute in writing via certified mail.

[roybean]

I would dispute in writing using the language of the statute:

Dear CRA,
I am requesting a description of the procedure used to determine the accuracy and completeness of the information regarding this account including the business name and address or any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

[Marswoman]

YES I want it off my report.

I disputed it last summer and all they did was update it.
The original balance was only $511. How it got to over $1586 AND they wrote off $800 or so, I dont know how they are accounting for this.

I tried to dispute again today and got that crummy message.
So....Its letter writing time again.....

[roybean]

Originally Posted by Marswoman

YES I want it off my report.

I disputed it last summer and all they did was update it.
The original balance was only $511. How it got to over $1586 AND they wrote off $800 or so, I dont know how they are accounting for this.

I tried to dispute again today and got that crummy message.
So....Its letter writing time again.....

This is interest and fees that have accumulated over time. You will want to dispute and let them verify a few times so that you have a good strong incentive to make them take it off or take them to court.

[Westernacc]

The only differance I see, is mine was paid but for less than full balance, (which was still more than the CL)

My Judgements I got rid of, (end of 2005 after Lexington, thanks to AOC) was what they now call the 1-2 punch. I DV'd the CA's and after getting my green card I sent verification request to CRA's with DV copy's.

[jlynn]

Mars, it was opened it 1999, but with it due to fall off in October 2008, they are indicating that the first time you became delinquent and never caught up was October 2001. Do you have any records indicating it went south earlier than 01?

[Marswoman]

Still no progress with Crap 1 reporting a written off acct from 5/1999.

How many letters am I supposed to write???